Side-by-side · Q2 2026 data
South Coast Bank & Trust vs Five Star Credit Union
Metric by metric
| Measure | South Coast Bank & Trust | Five Star Credit Union |
|---|---|---|
| TellerScore | 72 | 72 |
| Capital cushion | 49 | 88 (stronger) |
| Loan quality | 84 (stronger) | 50 |
| Earnings | 80 (stronger) | 63 |
| Funding & liquidity | 74 | 81 (stronger) |
| Problem-loan coverage | 93 (stronger) | 84 |
| Peer percentile | 50th | 66th |
| Total assets | $269.8M | $1.3B |
| Deposits / shares | $239.4M | $1.1B |
| Capital ratio | 9.90% | 13.82% (stronger) |
| Problem loans | 0.49% (stronger) | 1.50% |
| Net charge-offs | 0.08% (stronger) | 0.53% |
| Return on assets | 1.51% (stronger) | 1.09% |
| Loans ÷ deposits | 79.4% | 79.2% (stronger) |
| Uninsured deposits | 21.4% | 11.8% (stronger) |
| Offices | 2 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.9% | 27.7% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), South Coast Bank & Trust leads on 3 and Five Star Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.